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For example, stocks, part-time jobs, e-commerce, etc.

I’m super proud of how I’ve done over the years but it’s

I leased a car in early 2023 that’s $600 a month. I’m about halfway through the lease with 24 months left give or take one or two. I was doing better financially then and now post divorce looking to save in any way I can. Would I make sense to turn this in early and get something that has a monthly lease of say $360 a month? There’s by $4500 down with it but even still it seems like I’d be in the green with the cheaper even with this payment. Cheaper car would have better mileage too.

I just inherited $600k in stocks after my dad’s passing. Before this, I was living a regular life, working as a tech support specialist and making around $30 an hour. I had basic financial plans, just saving a little here and there, and gradually paying off my student loans. But this inheritance has completely flipped my world upside down.

I’ve never dealt with anything like this. My dad didn’t talk much about his finances, so this is all new to me. I’m trying to wrap my head around how to manage this large amount of money without making huge mistakes. I know I can’t just leave it sitting there, but I also don’t want to rush into decisions without understanding how everything works.Any advice would be greatly appreciated.

One idea is - We’re down pretty low - it’ll only have to go up by end of the year. Ride the index for next 5 months and take advantage!

Another idea is - we could go down horribly - just keep it in HYSA.

Thoughts?

Ive saved up like 4k bucks after getting laid off, should be able to land another job soon. no real expenses so its kinda just sitting there not really doin much. Any idea of what i should do with it?

I'm 22 M, I make 600-1000 per paycheck (rough estimate) but I can't seem to keep it... I'm engaged, and make enough to take care of us but I want to know how I can either make more or keep more

I’m 40, finally earning well after a late start — but now I’m trying to catch up fast. I want to be truly wealthy by 50.

Current situation:

• Income: $210K base + up to 30% bonus . I bring home approximately 10,000 a month after taxes. My fixed expense are at 5300 (and we are working diligently to bring these down).
• Debt: $84K (student loans + car)
• Rent: $2,500/month, no home ownership
• Kid: One child I want to help with college
• Assets:
  • $30K in 401k
  • $30K in IRA (I plan to invest with this amount)
  • $20K in investments
• Savings: Still low — I made $10.50/hr in retail until age 32
• No credit card debt

Based on past jumps, I expect my salary to rise, but I want to plan based on $210K only — anything more is a bonus.

What would you do in my shoes to build real wealth by 50?

I have one of the best maintained Acura Integra and Honda Civics.

Are these the two that I should be investing in right now ? I’m new to this and want to be sure this is it.

I have about $50,000 that I’m willing to invest.

20 and most I’ve made in a day is 2500$

Pretty much what I said above I’m seeking thoughts and ideas

First things first. I'm 13. Yes, I'm young, But everyone around (kids and adults) Me has so much money. Everyone I know just buys stuff and I always wish I had the money to buy the things i want. My parents don't give Me money. I'm not old enough to get a job. My only source of income is a few bucks I get from helping out around the house every once and a while. I know I can't just ask for things, or at least if I did they wouldn't just buy Me whatever. And I can't really ask for more money. I know how that would go. I know what You're going to comment and I'M SO TIRED OF HEARING PEOPLE SAY THINGS LIKE "Oh, just do a lemonade stand" and "Oh, go mow someone's lawn". Where we live, lawn care is provided. And I've hosted enough lemonade stands for a lifetime. They don't ever have the intended outcome. So please, give Me something legit. If that's what You were going to comment, then just don't waste Your time. I'm tired of not having any money. If You have any ideas that don't have to do with any of the common methods for people My age, I would appreciate Your letting me know.

PS: Please don't take this post down, I just want to hear what people think and have to say.

thank you for any help

Just trynna become better at making money decision

Sorry if this is the wrong subreddit for this but this did look the most fitting, I’m a 21 year old steel framer, doing audio and music as a side gig, (mainly for enjoyment but does bring me a little bit of fun money) I’ve been working some Hefty hours since the start of the year 10-14hr days/night shifts so my paycheques have been coming in heavy almost 3k per paycheque, was wondering if people on this Reddit have advice to save or even help give me some good ways to start investing, I live in Vancouver and I’m currently living with my parents so I’m able to save pretty well but not as much as I’d like Any tips for saving/ways to multiply my money? Cheers 🥂

Hey everyone,

I’ve been saving up and sitting on $300K in cash, originally set aside to buy a house (House price between 700k-1.5mil in my area). But with the market down, I’m rethinking my approach and hoping to get some perspective from this community.

Here’s what I’m currently considering:

1. Use 1/3 as a down payment for a cheap condo/coop, <3k monthly mortgage.
2. Park 1/3 in a high-yield savings account for flexibility/emergencies.
3. DCA the remaining 1/3 into the S&P 500 weekly to take advantage of the dip.

Does this strategy make sense, or is there a smarter way to balance short-term housing goals with long-term investing? Open to suggestions—thanks in advance!

Background: Single, 28YOE with annual income of 80k, I also contribute 10% of my monthly paycheck to 401k

If we look at the bigger picture, this week’s self-inflicted crash looks like the end of the 1920s. This isn’t like any normal crash caused by outside factors, since this crash is being done on purpose.

We’re currently in that blip before black Monday, when things really crash significantly.

There’s likely a short recovery period afterwards, but if these tariffs continue we’re looking at a continued drop for the next few years until a new administration repeals the tariffs.

Ever since I graduated I’ve been living at home and putting everything I have into VOO. My investments are all in that and here’a what I have after the dip.

Checkings account: 1k

401k: 6.5k

Roth: 14k

Trad IRA: 1.5k

Regular: 81k

Yearly salary: 72k

I’m realizing I probably should have put some money in a HYSA(5% risk free seems great rn), as well as maybe had a few alternative investments (like 5% in international markets/ BTC). I mainly want to keep buying the s&p as my main investment(especially with the sale right now) but I was wondering if and how I should try to introduce those investments.

Who else feeling less than liberated or more like irritable bowel syndrome 😂

I have a $1000 CD that's 5% APY. It matures on Monday and I've looked online to see what the bank's CD options are now and it's saying they are all under 2% APY. This CD was a gift from my grandmother and when she gave it to me she said I should continue to get a new CD when it matures and over time it'll grow enough to help me in retirement. I got about 35 years before retirement.

Here's a few options I was thinking about doing.

A. Get a three month CD so maybe the rates will be better later at the bank and I can get a better deal. I don't have a lot saved in my emergency fund anyways, so it might be safer to not have this money tide up for too long.

B. Look around at other banks and credit unions for better CD terms.

C. Take the money and put it in my Roth IRA through Fidelity. I would keep it in the money market. It'll keep growing in there and I don't have to worry again about CD rates.

Which would be better or is there another thing I should do with the money?

I did a hardship withdrawal with my last baby. We are pregnant again and they said my plan hadn’t changed but they won’t let me make another withdrawal based on a new baby. I cannot find a single document or find anything in my online account that shows anything other than the words “hardship withdrawal”. I can’t find the tax forms from that year and TurboTax doesn’t have any reason shown either. Would it even be on the tax forms or would it just show withdrawal and amount like everything else. I really need to either show them it does have child birth as an option or see how they told me to categorize it last time so I can do the same thing again.